SBI General Insurance

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  • 3,000+ Network Hospitals
    Check in your City
  • 4,17,400 Policies Issued
  • 52.93% Incurred Claim Ratio
  • Lifelong Renewability
  • 50.12% Claim Settlement Ratio
  • Dedicated Claim Settlement

About SBI General

SBI General Insurance Company Limited was founded in the year 2009. A joint venture between State Bank of India and Insurance Australia Group (IAG), SBI General Insurance commenced its operation in 2010. Out of the total capital of SBI General Insurance, SBI owns 74% and IAG possesses 26%. SBI General Insurance follows a powerful multi-distribution model comprising of Bancassurance, Retail Direct Channels, and Agency Broking. The insurer enjoys the largest banking franchise in the country. 

Headquartered in Mumbai, SBI General Insurance Company is renowned for offering a wide array of general insurance products in retail as well as commercial space so as to make insurance accessible to all people and businesses. In the retail space, SBI General Insurance offers products such as health, motor, personal accident, travel, and home insurance. In commercial space, aviation, marine, fire, construction & engineering, package, and liability insurance are the products offered by the general insurer.

Key Highlights 

  • Dedicated claim settlement
  • Access to 3000+ network hospitals
  • Comprehensive health insurance policies
  • Tax benefits under Section 80D of the Income Tax Act, 1961
  • No medical test required for people up to 45 years of age and without any medical history
  • Presence in over 23,000 branches (State Bank Group) and over 5500 branches (Regional Rural Banks)
  • Geographical reach covering over 110+ cities across India and over 350+ locations through satellite resources

Currently serving Retail Segment (individual & families), Corporate Segment (mid to large size companies) and SME Segment, SBI General Insurance aims to provide every individual with a greater sense of security and better health. The insurer looks forward to becoming the most trustworthy general insurer and lead the nationwide campaign to enhance insurance penetration in the country. 

Whether an individual or an entire family, SBI General Insurance covers one and all to provide the utmost financial support during an unfortunate medical emergency. Arogya Premier Policy, Arogya Plus Policy, Arogya Top Up Policy, Group Health Insurance policy, Critical Illness Insurance Policy, and Hospital Daily Cash are the health insurance products one can invest in to ensure superior financial stability and peace of mind, even in a challenging situation.

SBI General Insurance Plan List

Name of PlanSum Insured
Arogya Premier PolicyMin: 3 Months; Max: 65 Years10 Lakh Get Quotes Now
Arogya Plus PolicyMin: 3 Months; Max: 65 Years1 Lakh Get Quotes Now
Critical Illness Insurance PolicyMin: 18 Years; Max: 65 Years2 Lakh Get Quotes Now
Hospital Daily CashMin: 90 Days; Max: 65 Years500/day Get Quotes Now
Health Insurance Policy-RetailMin: 3 Months; Max: 65 Years50 Thousand Get Quotes Now

SBI General Insurance Top Up List

Name of PlanSum Insured
Arogya Top up PolicyMin: 3 Months; Max: 65 Years1 Lakh Get Quotes Now

Claim Process at SBI General Insurance

  • Network Hospital
  • Non-Network Hospital
  • 1

    Claim Intimation

    Emergency hospitalisation needs intimation as soon as it occurs and for planned hospitalisation intimate as soon as it occurs prior to admission.
  • 2

    Claim Processing

    Fill in the pre-authorisation form and hand it over to hospital's insurance/TPA desk to initiate claim request.
  • 3

    Claim Settlement

    Once your request is approved, claim is settled. If not approved, claim for reimbursement after discharge.
  • 4

    Claim Assistance

    For any assistance call Insurancedekho at 1800-120-5698 or call toll free number of SBI General Insurance at 1800221111.
  • 1

    Claim Intimation

    Emergency hospitalisation needs intimation as soon as it occurs and for planned hospitalisation intimate as soon as it occurs prior to admission.
  • 2

    Claim Processing

    Submit claim form with original documents such as doctor’s reports, hospital bills, diagnostic tests, etc.
  • 3

    Claim Settlement

    Once your request for reimbursement of expenses is approved, the claim will be settled.
  • 4

    Claim Assistance

    For any assistance call insurancedekho at 1800-120-5698 or call toll free number of SBI General Insurance 1800221111.

SBI General Insurance User Reviews

  • SBI is top insurer for me

    Buying SBI health insurance is a good decision for anyone. The insurer helps you with vast cover at low premium. You get multiple plan benefits, excellent services with SBI health insurance. The claim process is also very easy. SBI definitely knows how to take care of customers.


    On: Oct 16, 2019 | Views
  • SBI health insurance is ideal match for me

    I have always looked for a health insurer that matches my needs and budget perfectly. SBI does that superbly. With more than 3000 network hospitals and broad plan collection, SBI health insurance is definitely the preference of many people just like me. I recommend SBI health insurance.

    On: Oct 15, 2019 | Views
  • Always ready for SBI

    When i heard about SBI health insurance, i was immediately ready for it. SBI health insurance fulfills every policyholder demands without asking for a high premium. The plans are multiple with coverage that is quite vast. Right from claim process to premium, everything is ideal as per one’s need.


    On: Oct 15, 2019 | Views
  • Thanks SBI for helping me with your insurance

    I have always had trust on SBI. With health insurance, it was a clear choice that i had to go with SBI. Must say the insurer is reliable and gives superb coverage at low premium rate. Features and benefits of each SBI health insurance plan are what make the investment worthwhile.

    On: Oct 07, 2019 | Views
  • I am happy with SBI health insurance

    I am new to SBI. Must say that even thought i have not made a claim but the services it gives has left me amazed. When you choose SBI for health insurance, you also choose good CSR, multiple benefits, and guaranteed security. Highly recommended.

    On: Oct 07, 2019 | Views
  • SBI health insurance is superb

    I have always been a fan of SBI. So, when it came to buying health insurance, i went for SBI. Must say, the insurer didn’t disappoint me at all. All the plans are comprehensive and come at a low premium rate. I would recommend SBI health insurance to everyone!

    On: Sep 25, 2019 | Views
  • The best insurer in the market

    I am happy that i decided to buy SBI health insurance. Thank you InsuranceDekho for suggesting the right insurer as per my needs. SBI health insurance is extremely affordable and comes with various features that are definitely better than those found in others. The claim process is simple and quick. Recommended to others!

    On: Sep 25, 2019 | Views
  • Thanks

    Thanks for the timely correction in the policy. With the support of the team, I was able to get the best treatment for my father at the quickest moment.

    On: Sep 05, 2019 | Views
  • Wow!

    I was looking for a critical illness plan with low premium amount and finally found SBI General. It took away all my tension and worries for future.

    On: Aug 13, 2019 | Views
  • Finally I have found the perfect health insurance plan

    Firstly, thanks to InsuranceDekho for suggesting SBI for a broad coverage. My past experience of health insurance plans have been worse so SBI is like a breath of fresh air. Mine is an year policy that covers all family members without a high cover cost. The plan benefits are great and the options for network hospitals for cashless treatment are excellent too. Overall, I am happy with SBI health insurance!


    On: Jul 10, 2019 | Views
  • Excellent health insurance plans by SBI

    Contrary to my past health insurance experiences, my current SBI health insurance is simply great. I am thankful to InsuranceDekho for recommending SBI health insurance. Finally, I have a health insurance plan that provides superb coverage, has multiple network hospitals for cashless treatment and a low premium amount that’s completely affordable. Highly recommended!

    On: Jul 09, 2019 | Views
  • Good services by SBI General Insurance

    This is the first time I have invested in SBI health insurance. My current health insurance plan covers all my family members at a premium price that is affordable. I pay premium once in a year through debit card without any hassle. I haven’t filed a claim until now, but the claim settlement process is quite easy. Overall, I am happy with SBI General Insurance.

    On: Jul 08, 2019 | Views
  • A satisfied customer of SBI General Insurance

    SBI General Insurance is not a new insurer for me as I have opted for SBI health plans in the past as well. At present, my SBI health insurance plan covers my family for Rs. 10 Lakh. No claim experience as of now, but I am sure of SBI’s simple and hassle-free claim settlement process. Thanks InsuranceDekho for recommending SBI General Insurance once again!

    On: Jul 08, 2019 | Views
  • Comprehensive health insurance policy by SBI

    I recommend SBI General Insurance to everyone looking for a health insurance plan that is both, affordable and vast in terms of coverage. My policy at SBI General Insurance provides coverage for my entire family at a low premium amount. What’s even better is that the overall services are great and the list of network hospitals for cashless treatment is vast too. 

    On: Jul 05, 2019 | Views
  • SBI General Insurance is simply the best

    My experience with SBI General Insurance is new. It’s been a few days since I bought my health insurance as per the suggestion of InsuranceDekho’s customer care executive. Must say the plan is affordable as the premium amount is not too much. The coverage is quite vast and the claim settlement procedure is simple. I am happy to have invested in SBI General Insurance. 

    On: Jul 04, 2019 | Views

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SBI General Insurance Contact Details

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SBI General Insurance FAQs

  • Why should I invest in health insurance policy from SBI General Insurance?

    SBI General Insurance is a great option to buy a health insurance policy. The insurer not only ensures financial protection of an individual, but an entire family and provides them with the much-desired peace of mind. By investing in SBI General health insurance policy, you can benefit from wide health coverage, direct & hassle-free claim settlement, lifetime policy renewal and numerous other benefits. Overall, you won’t be disappointed with SBI General Health Insurance in any which way.


  • How can I buy and apply for SBI General health insurance policy?

    SBI General health insurance policy is easy to apply and buy online. You can either visit the official website of SBI General Insurance or InsuranceDekho to apply and purchase the SBI General's health insurance policy that suits your specific needs the best.


  • Which health insurance policies does SBI General Insurance provide?

    SBI General Insurance, under its health insurance category, offers Arogya Premier Policy, Arogya Plus Policy, Arogya Top Up Policy, Group Health Insurance Policy, Critical Illness Insurance Policy, and Hospital Daily Cash.  

  • Does SBI General Insurance provide critical illness cover?

    Yes! SBI General Insurance provides critical illness cover for 13 critical illnesses under its Critical Illness Insurance Policy.

  • What is the Claim Settlement Ratio of SBI General Insurance?

    The claim settlement ratio of SBI General Insurance for the year ended March 31, 2018 is 50.12%.

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